This scammer calls numbers on the national do not call list in violation of the Telephone Consumer Protection Act. They further violate the TCPA by failing to have an operator on the line when the call is answered, and still further by playing a recorded message without an operator on the line. In addition, they fail to provide a physical address and a phone number when asked, yet further violating the TCPA. Their recording states that the victim has been monitored for the last six months, and due to their payments over that time, are eligible for a 0% interest rate on all credit cards. This is clearly a scam, particularly as they demonstrate that they do not have evidence of payments or card balances over the time they have supposedly been monitoring the victim. Do not provide this scammer with any financial information.